International Money Express (IMXI) AI Stock Analysis

• Market Cap: $308.76M
• Dividend Yield: N/A
• Average Volume (3M): 324.93K
• Price to Earnings (P/E): 6.1
• Beta (1Y): 0.96
• Revenue Growth: -1.90%
• EPS Growth: 0.05%
• Country: US
• Employees: 1,101
• Sector: Technology
• Sector Strength: 91
• Industry: Software - Infrastructure
• EPS (TTM): 0.35
• Shares Outstanding: 29,976,650
• 10 Day Avg. Volume: 231,015
• 30 Day Avg. Volume: 324,934
• PEG Ratio: -0.95
• Price to Book (P/B): 2.24
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.56
• Enterprise Value/Market Cap: 0.50
• Enterprise Value/Revenue: 0.06
• Enterprise Value/Gross Profit: 0.63
• Enterprise Value/Ebitda: 0.41
• 1Y Price Target: $13.67
• Price Target Upside: 34.28% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

• Rating: 61 Neutral
• Price Target: $11.00 ▲(8.06%Upside)

International Money Express demonstrates strong financial stability and digital growth, but faces challenges in sustaining revenue and cash flow. The technical indicators suggest a bearish trend, and while the stock seems undervalued, market uncertainties warrant caution.

Positive Factors

Digital Expansion

Digital transaction growth accelerated from 70% to 80%, indicating positive momentum in digital expansion.

Digital Strategy

Management's commitment to digital investment could position the company well for future growth despite current challenges.

Future Growth Prospects

Management announced FY27 targets focusing on scaling the digital transaction business, which were solid and encouraging.

Negative Factors

Earnings Performance

IMXI's Q1/25 adjusted EPS missed consensus by 16% due to significantly slower transaction growth.

Market Conditions

Remittance markets in LATAM countries remain challenged due to the current macro backdrop in the region.

Profitability Challenges

A shift in customer behavior towards fewer, higher value transactions is negatively impacting IMXI's profitability.

International Money Express Business Overview & Revenue Model

Company Description

International Money Express, Inc. (IMXI) is a leading provider in the remittance industry, specializing in money transfer services primarily between the United States and Latin American and Caribbean countries. The company focuses on offering fast, reliable, and affordable remittance solutions to a diverse customer base, including both individuals and businesses. IMXI leverages a robust network of agents and partners to facilitate cross-border transactions, ensuring accessibility and convenience for its users.

How the Company Makes Money

International Money Express generates revenue primarily through transaction fees charged to customers who use its money transfer services. These fees can vary based on the amount of money being sent, the destination country, and the mode of transfer. In addition to transaction fees, the company also earns income from foreign exchange gains, which occur when converting U.S. dollars to the local currency of the recipient's country. IMXI's extensive network of agents and partnerships with financial institutions and retailers enhances its service reach and contributes to its revenue streams. The company continuously seeks to expand its agent and partner network, improve technology offerings, and provide competitive pricing to maintain and grow its customer base.

International Money Express Financial Statement Overview

Summary

International Money Express shows strong profitability with efficient cost management and no debt burden. However, the decline in revenue and cash flow poses challenges to growth and sustainability.

Income Statement

International Money Express shows strong profitability with a consistent Gross Profit Margin and Net Profit Margin in the TTM. However, there's a noticeable decline in revenue from 2023 to TTM, indicating a potential challenge in maintaining growth. The EBIT and EBITDA margins remain healthy, suggesting efficient cost management.

Balance Sheet

The balance sheet reflects a solid equity base and no debt in the TTM, indicating strong financial health and low leverage. However, the decrease in stockholders' equity from 2023 raises some concerns about capital retention and growth capacity.

Cash Flow

The company has a stable free cash flow position in the TTM, despite a reduction in operating cash flow compared to 2023. The absence of debt provides flexibility, but the declining operating cash flow suggests potential difficulties in sustaining cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	629.75M	658.65M	658.74M	546.80M	459.21M	357.21M
Gross Profit	244.47M	161.43M	222.47M	182.00M	151.75M	118.61M
EBITDA	103.55M	108.66M	108.36M	92.38M	77.34M	63.70M
Net Income	54.48M	58.82M	59.52M	57.33M	46.84M	33.78M
Balance Sheet
Total Assets	490.59M	462.38M	576.81M	512.07M	340.54M	259.47M
Cash, Cash Equivalents and Short-Term Investments	151.76M	130.50M	239.20M	149.49M	132.47M	74.91M
Total Debt	0.00	181.67M	215.86M	178.48M	83.09M	87.62M
Total Liabilities	164.88M	327.45M	427.77M	362.17M	197.50M	165.21M
Stockholders Equity	139.24M	134.92M	149.04M	149.91M	143.04M	94.26M
Cash Flow
Free Cash Flow	24.30M	23.09M	130.72M	3.00M	67.51M	-4.94M
Operating Cash Flow	46.13M	53.09M	143.53M	15.17M	78.10M	-880.00K
Investing Cash Flow	-35.78M	-43.95M	-18.28M	-12.53M	-10.77M	-4.06M
Financing Cash Flow	-74.28M	-114.20M	-37.12M	14.06M	-9.62M	-6.16M

International Money Express Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Negative. The current price of 10.18 is below the 20-day moving average (MA) of 10.24, below the 50-day MA of 10.89, and below the 200-day MA of 15.89, indicating a bearish trend. The MACD of -0.18 indicates Negative momentum. The RSI at 43.04 is Neutral, neither overbought nor oversold. The STOCH value of 32.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IMXI.

International Money Express Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DLO	81 Outperform	$3.13B	24.31	26.10%	―	―	―
PAYS	75 Outperform	$425.61M	71.56	18.82%	―	26.77%	-13.24%
EEFT	71 Outperform	$4.44B	15.18	25.00%	―	7.73%	19.76%
PAYO	70 Outperform	$2.34B	21.67	15.97%	―	14.86%	-0.94%
STNE	66 Neutral	$4.20B	8.73	-8.85%	―	-14.03%	-167.03%
Sector *	62 Neutral	€9.63B	17.22	3.87%	1.77%	4.38%	-25.22%
IMXI	61 Neutral	$308.76M	6.08	39.27%	―	-1.90%	0.05%

International Money Express Corporate Events

International Money Express Approves Amended Equity Compensation Plan

On June 20, 2025, International Money Express, Inc. held its Annual Meeting of Stockholders, where key decisions were made, including the approval of the Amended and Restated 2020 Omnibus Equity Compensation Plan. This plan increases the number of shares authorized for issuance and extends the plan’s term, among other changes. Additionally, stockholders elected two Class I directors, ratified the appointment of BDO USA, P.C. as the independent registered public accounting firm, and approved a non-binding advisory resolution on executive compensation. These decisions reflect the company’s ongoing efforts to enhance its governance and compensation strategies, potentially impacting its operational and financial positioning.

The most recent analyst rating on (IMXI) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.